New Jersey Medicare Supplement Plans 2019 Medigap Plans

Top 10 Medicare Supplement Plans in New Jersey

Looking for the best Plan F, G or N available to New Jersey seniors?

1. 10 Best Medicare Supplement Plan F
2. 10 Best Medicare Supplement Plan G
3. 10 Best Medicare Supplement Plan N

10 Best Medigap Plan F Policies in New Jersey

Medicare Supplement Plan F is the most popular Medigap plan available in New Jersey. Here are the 10 best Plan F policies available in New Jersey based on our reviews (click for details):

10 Best Medigap Plan G Policies in New Jersey

Medicare Supplement Plan G is rapidly gaining popularity among New Jersey seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in New Jersey based on our reviews (click for details):

Medigap Plan Reviews

We review all major Medicare Supplement insurance carriers servicing Medigap policies in New Jersey. Our reviews are unbiased. We use a balanced formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. Our current formula does not take rate increase history into account.

Our review of Medicare Supplement Plans in New Jersey are based on a statewide analysis, not nationwide. We recommend consumers use our 5-star ratings as one aspect of their decision making process. It helps compare insurance carriers at-a-glance.

Med Supp Rates (Premiums)

We list monthly premiums for all Medigap plans offered by Medicare Supplement carriers in New Jersey. Rates are samples based on a 65 year old, non-smoking woman and include applicable household discounts. Use our rates for comparison purposes only. Your actual rate will be based on where you live, your age, sex and use of tobacco products.

Medigap Plans are Standardized Medicare Supplements

All Medicare Supplement insurance carriers in New Jersey are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N.

NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fill the gaps in Original Medicare coverage.

Each of the lettered Medicare supplement insurance plans offer the core coverage provided by Plan A. Plans B through N have a varying range of additional coverage. This way you can choose an appropriate policy based on the amount of insurance you need.

Insurance companies are free to choose the policies they offer, although New Jersey state laws might affect which ones they can offer. Carriers offering Medicare Plans:

• Don't have to offer every Medigap plan
• Must offer Medigap Plan A if they offer any Medigap policy
• Must also offer Plan C or Plan F if they offer any plan

For more information, visit the New Jersey Department of Insurance website at http://www.dobi.nj.gov/.

Is Medicare Supplement Plan F the Best Medicare Plan in New Jersey?

Even though Medicare Plan F is the most expensive, it is the most popular. More than half of all New Jersey seniors with Medigap coverage choose Plan F. The overwhelming reason is that it offers peace-of-mind with complete inpatient and outpatient gap coverage.

IMPORTANT: If you need the financial protection of Plan F, you must buy a policy prior to January 2020. Congress voted to do away with Medicare Supplement Plan F. Insurance carriers are no longer able to sell these polices after December 31, 2019.

RELATED: Medicare Plan F: What Does this Medicare Supplement Offer?

What About the AARP Medicare Supplement: Is it the Best New Jersey Medigap Plan?

Best is a relative term. To be sure, AARP sell more Medicare Supplements than any other insurance carrier. That said, AARP Medigap Plans, underwritten by United Healthcare, have the same benefits and features as all other standardized supplements. The real difference is the monthly premium, how often rates increase, and the financial stability of the insurance carrier.

In our experience, AARP Medicare Supplement premiums are frequently more than competing carrier in the same area. However, in many areas UHC has a competitive advantage with their Medicare SELECT plans. Ask your agent about Medicare SELECT options in your area.

AARP sells a range of Medicare supplements, however, Plan F, Plan G and Plan N are the most popular. You can quickly see the coverage differences between these plans using the comparison chart below.

Medigap Plan Comparison Chart

The following Medicare Supplement Plans Comparison Chart offers a quick look at the benefits provided by each Medigap policies.

Medigap Benefits	A	B	C	D	F*	G	K	L	M	N
Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Medicare Part B Coinsurance or Copayment	Yes	Yes	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes**
Blood (First 3 Pints)	Yes	Yes	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Part A Hospice Care Coinsurance or Copayment	Yes	Yes	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Skilled Nursing Facility Care Coinsurance	No	No	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Medicare Part A Deductible	No	Yes	Yes	Yes	Yes	Yes	50%	75%	50%	Yes
Medicare Part B Deductible	No	No	Yes	No	Yes	No	No	No	No	No
Medicare Part B Excess Charges	No	No	No	No	Yes	Yes	No	No	No	No
Foreign Travel Emergency (Up to Plan Limits)	No	No	Yes	Yes	Yes	Yes	No	No	Yes	Yes
Out-of-Pocket Limit***	None	None	None	None	None	None	$5,240	$2,620	None	None

^* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.

^** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.

^*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.

Medicare Supplements vs Medicare Advantage

Still wondering if a Medicare Supplement is the right way to go? Considering Medicare Advantage to cut costs? For many seniors in New Jersey it's a difficult decision. Here are a couple things to consider.

First, understand the difference between Medigap and Medicare Advantage plans available in New Jersey. A Medigap plan fills gaps in your Original Medicare benefits. A Medicare Advantage plan may have a similar effect, but it replaces your Original Medicare benefits with managed care, reducing your options.

Second, if you need the most choices and flexibility, Original Medicare combined with a Medicare Supplement and a New Jersey Medicare Part D plan is the best coverage you can get.

RELATED: Medicare Advantage vs. Medigap: Which Is Best?

Need Local Help?

The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The New Jersey SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:

• 1-800-792-8820 (in state only); 1-877-222-3737 (out of state)
• http://www.state.nj.us/humanservices/doas/services/ship/index.html

Looking for Insurance Carrier Contact Information?

Disclaimers

The Medicare Supplement Insurance data on MedicareWire.com comes from Medicare.gov, CMS.gov, and private sources and is subject to change. CMS has neither reviewed nor endorsed the information on this site.

The MedicareWire.com website is available for educational purposes. Our goal is to present information about senior health insurance accurately and without bias, based on our interpretation of factual information. However, this site is not intended as a substitute for legal, health, or financial advice from a licensed professional. On this page we help consumers:

Compare 2019 Medicare Supplement Plans in New Jersey. Get rates and reviews, including Plan F, G, and N. Find the best Medigap Plans in New Jersey at the lowest cost available. Get an AARP Med Supp plan, guaranteed issue, if you're turning age 65.

MedicareWire.com is an independent research, technology and publishing organization. We are not affiliated with Medicare, Medicare plans, insurance carriers, or healthcare providers, nor are we compensated for Medicare plan enrollments.

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The use of third party trademarks on this site in no way indicates any relationship, connection, association, sponsorship, or affiliation between MedicareWire and the trademark holder. MedicareWire is a comparison and research website that does not offer Medicare insurance products (no solicitation of insurance).

MedicareWire uses brand names and logos for editorial purposes only, as permitted and governed by U.S. Trademark Fair Use Law and the Great State of New Jersey. Specifically, nominative fair use permits MedicareWire to reference a mark to identify the actual goods and services that the trademark holder identifies with the mark. Insurance carrier legal and brand protection departments concerned with the unauthorized use of protected marks and brand names, please read our Partner with Us! page.

Foot Notes

^[1] Sample premium is for a 65 year old, non smoking, woman living in New Jersey. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.

^[2] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.

The Medicare supplement insurance information on MedicareWire is maintained by David Bynon and was last updated on July 29, 2019.